Nationwide Direct Lender for Professional Real Estate Investors

Get reliable funding for your fix and flip projects, ground up construction and rental properties. As a Roc360 company, Haus Lending is powered by a leading, nationwide platform that has funded nearly $8 billion in investment property loans. We offer 7 loan products:

  • Fix & Flip – Bridge loans to purchase, renovate, and sell non-owner occupied homes with 1-4 units.
  • Ground Up – New construction financing for real estate developers.
  • Multifamily Bridge – Bridge loans to purchase, renovate, and stabilize multifamily or mixed-use properties with 5+ units.
  • Stabilized Bridge – Short term bridge loans for rent-ready properties with no planned renovations.
  • Rental Portfolios – Long term capital to purchase or refinance multiple non-owner occupied rental properties.
  • Single Property Rental – Long term capital to purchase or refinance non-owner occupied rental properties with 1-4 units.
  • Multifamily Term – Long term capital to purchase or refinance multifamily or mixed-use rental properties with 5+ units.

Please note: We do NOT offer loans for owner-occupied homes or consumer purposes.

Property Geographic Area Details
Nationwide except Minnesota, North Dakota, Oregon, South Dakota, Utah, and Vermont.
Loan Amounts
$50,000 to $50,000,000
Loan Terms
12 months to 360 months
Lien Position
1st
Collateral Types
  • Residential Property
Loan Purpose
  • Investment Acquisition
  • Investment Refinance
  • Improve Subject Property
  • Use Equity to Invest in Another Property
  • Value Add Project
  • Development Project
  • Primary Residence Purchase
Property Occupancy
  • Vacant
  • Tenant Occupied 100%

Maximum Leverage

Purchase Short-Term (no Value-Add):
Max LTP Residential: 70%
Purchase Long-Term
Max LTP Residential: 80%
Refinance Short-Term (no Cash Out)
Max LTV 1st Lien Residential: 70%
Refinance & Cash Out Short-Term
Max LTV 1st Lien Residential: 70%
Refinance Long-Term
Max LTV Residential: 80%
Max LTV Multifamily: 70%
Residential Fix & Flip
Max LTP: 85%
Max LTC: 100%
Max LTARV: 70%
Residential Rehab & Hold
Max LTP: 85%
Max LTC: 100%
Max LTARV: 70%
Multifamily Value-Add
Max LTP: 80%
Max LTC: 75%
Max LTARV: 70%
Residential Construction
Max LTP Land: 75%
Max LTC: 80%
Max LTCV: 70%
Multifamily Construction
Max LTP Land: 75%
Max LTC: 80%
Max LTCV: 70%

Fix & Flip

Haus Lending’s fix and flip loans provide you with a reliable funding source to purchase and rehabilitate new properties.

  • Property Types: Residential 1-4 Units
  • Loan Amount: $50,000 – $5,000,000
  • Maximum LTC: Up to 85% purchase, Up to 100% of rehab
  • Max Loan to ARV: 70%
  • Term Length: 12 months, Up to 18 at Lender Discretion
  • Recourse: Full recourse only

Ground Up Construction Loans

Haus Lending offers ground up construction loan financing that provides builders with a straightforward, common sense lending program.

  • Property Types: Residential 1-4 Units
  • Loan Amount: $50,000 – $5,000,000
  • Maximum Loan to Cost: Up to 75% of the lower of land value or purchase price/60% if unpermitted, plus 100% of construction
    • LTC Catch Up Draw to raise initial advance to 75% at approval of required plans/permits post-closing
  • Maximum Loan to Cost Total: 80%
  • Max Loan to ARV: 70%
  • Term Length: 12 months, Up to 18 at Lender Discretion
  • Recourse: Full recourse only

Multifamily Bridge

Haus Lending is the leader in small balance multifamily investment properties, offering extensive debt solutions through a vertically-integrated national lending platform.

  • Property Types: Multifamily 5+ Units
  • Loan Amount: $500,000 – $5,000,000
  • Loan Types: Interest only, fixed and adjustable rate mortgage options
  • Maximum Loan to Stabilized Value: 75%
  • Term Length: Up to 24 months + two 6-month extensions

Single Family Rental

Our single family rental loan product is flexible to meet the needs of all experienced real estate investors, allowing you to access long-term financing with support from our team of experts.

  • Property Types: Single family, 2-4 unit, townhomes, PUD, warrantable condos
  • Loan Amount: $75,000 – $2,000,000
  • Loan Types: 30-yr Fixed Rate Mortgage (Fully Amortizing) 5/6, 7/6, 10/6 Hybrid ARMs (Partial IO or Fully Amortizing)
  • Term Length: 30 Years
  • Minimum Guarantor FICO: Mid-Score of 660

Rental Portfolios

Our rental property loan products are flexible to meet the needs of different rental property investors, allowing you to access long-term financing at a fixed rate for one property or many.

  • Property Types: Single family, 2-4 units, townhomes, PUD, warrantable condos
    • 5-8 Unit Properties allowed up to 15% of Loan Amount
  • Loan Amount: $150,000 – $50,000,000
  • Loan Types : 30-yr Fixed Rate Mortgage (Fully Amortizing) 5/6, 7/6, 10/6 Hybrid ARMs (Partial IO or Fully Amortizing)
  • Maximum Loan to Stabilized Value: 75%
  • Term Length: 5, 10 & 30 Years

Multifamily Term

Our suite of rental loan products includes expanded multifamily and larger units, financed and underwritten with our common sense and flexible guidelines.

  • Property Types: 5-8 Unit Residential Properties
  • Loan Amount: $250,000 – $3,000,000
  • Max LTV:
    • Purchase/Rate-Term Refinance: 70%
    • Cashout Refinance: 70%
  • Term Length: 30 Years

Stabilized Bridge Purchase

For borrowers who are seeking a quick close bridge loan to purchase rental properties that do not need renovations

Max LTC
Subject to LTV Limits
85% if qualifying FICO ≥ 720
80% if qualifying FICO 700 – 719
70% if qualifying FICO 660 – 699

Max LTV
Subject to LTC Limits
70% if qualifying FICO ≥ 700
65% if qualifying FICO 680 – 699
60% if qualifying FICO 660 – 679

Minimum DSCR
Minimum in place DSCR of 1.00 based on IO bridge loan payment.
Minimum exit DSCR of 1.20 based on 30yr FRM and current Haus rate + 50 bp.

Stabilized Bridge Seasoned Refinance

For borrowers with rent-ready properties that have been owned for more than 12 months, do not have deferred maintenance, and are looking for cash out (value based underwrite)

Max LTV

  • Rate/Term Refinance
    70% if qualifying FICO ≥ 700
    65% if qualifying FICO 680 – 699
    60% if qualifying FICO 660 – 679
  • Cash Out
    70% if qualifying FICO ≥ 720
    65% if qualifying FICO 700 – 719
    60% if qualifying FICO 680 – 699
    60% if qualifying FICO 660 – 679

Minimum DSCR
Minimum in place DSCR of 1.00 based on IO bridge loan payment.
Minimum exit DSCR of 1.20 based on 30yr FRM and current Roc rate + 50 bp

Stabilized Bridge Non-Seasoned Refinance

For borrowers with rent-ready properties that have been owned for less than 12 months and do not have deferred maintenance.

Max LTC
Subject to LTV Limits
85% +100% of completed renovations if qualifying FICO >=720
80% +100% of completed renovations if qualifying FICO 700-719
70% +100% of completed renovations if qualifying FICO 660-699

Max LTV
Subject to LTC Limits
70% if qualifying FICO ≥ 700
65% if qualifying FICO 680 – 699
60% if qualifying FICO 660 – 679

Cash Out Allowed
Follow LTC guidelines

Minimum DSCR
Minimum in place DSCR of 1.00 based on IO bridge loan payment.
Minimum exit DSCR of 1.20 based on 30yr FRM and current Roc rate + 50 bp

 

Leverage advertised is the highest offered. Actual leverage and offers may vary based on approval criteria, including but not limited to borrower FICO score, previous experience, period of ownership, etc.

Property Types

  • 2-4 Units Residential
  • Condominium
  • Mixed-Use
  • Multifamily
  • Single Family Residence

Loan Types

  • Private Money
  • Hard Money
  • Residential Bridge
  • Residential Fix and Flip
  • Residential Rehab and Rent
  • Residential Long-Term Rental
  • Residential Ground-Up Construction

Specialty Loan Types

  • Residential Long-Term Rental
  • Residential Short-Term Rental
85% is the maximum loan-to-purchase price for rehab projects. For a non-rehab purchase, or what we call a "Stabilized Bridge Loan" we can fund up to 70% of the purchase price.

Max Loan-to-Purchase Price

85%

Borrower Must Have Property Under Contract

no

Will Provide Proof of Funds Letter

yes

Will Consider Lending on Purchase from Auction

no

Allowed Source of Borrower’s Equity

  • Own Cash
  • Partner
  • Equity in Another Investment Property
  • Family
Borrower must put down at least 15% cash for the purchase.

Experience Required

yes

Minimum Number of Value-Add Projects Completed by Borrower

2

Will Provide Funds for Renovation Costs

yes

Max LTC for Renovation Costs

100%

Interest Charged for Renovation Costs

Only on Funds Drawn

Typical Number of Days for Funds Draw

2

Maximum After Repair Value

70.00%
80% max loan-to-cost for the entire project. For entitled land purchase, we can fund up to 75% of the lower of land value or purchase price. 60% max if land is unpermitted. LTC Catch Up Draw to raise initial advance to 75% at approval of required plans/permits post-closing.

Development Experience Required

yes

Minimum Number of Ground-Up Construction Projects Completed by Borrower

2

Max LTC for Ground-Up Construction Costs

100%

Interest Charged for Construction Costs

Only on Funds Drawn

Will Lend on Partially Completed Construction Projects

yes
For cash out refinance, the maximum LTV is 75%. Minimum Guarantor FICO: Mid-Score of 660. Minimum Debt Service Coverage Ratio: 1.10x (Gross Rent/PITIA). Property Types: Single family, 2-4 unit, townhomes, PUD, warrantable condos.

Minimum Loan Amount

$75,000

Maximum Loan Amount

$2,000,000

Minimum Loan Term

360 months

Maximum Loan Term

360 months

Minimum Debt Service Coverage Ratio

1.10

Will Lend on a Portfolio of Rentals

Yes

Fees which are mandatory for all new borrower clients

  • Legal Fee

Fees which are paid to a third party company

  • Appraisal Fee
  • Escrow Fee
  • Title Fee
  • Renovation or Construction Funds Draw Fee

Details and Requirements

Payment Structure
  • Interest Only
  • Amortized
  • Interest Reserve
Pre Payment Penalty

yes

Will lend to a foreign national

yes

Will Allow Junior Position Mortgage(s) Behind Our Senior Mortgage

no

Will Consider Collateralizing Multiple Properties in One Loan

no

Will Consider Equity Joint Venture

no

Borrower Entity Types Considered
  • LLC
  • Corporation
Documentation Required
  • Credit Report
  • Bank Statements
  • Loan Application
Personal Guaranty (Recourse) Required
Always
Credit Check Required

yes

Minimum Credit Score Required

660

Appraisal Required for Residential Property

Always

Broker Price Opinion (BPO) Accepted for Residential Property

Never

Legal Disclaimer

Rates advertised are the lowest offered. Actual rates and offers may vary based on approval criteria, including but not limited to borrower FICO score, previous experience, period of ownership, etc. Leverage advertised is the highest offered. Actual leverage and offers may vary based on approval criteria, including but not limited to borrower FICO score, previous experience, period of ownership, etc.

Additional Details

Haus Lending is an affiliate of Loan Funder LLC, which is licensed as a California Finance Lender under Department of Business Oversight License 60DBO-69051. Arizona Commercial Mortgage Banker License 1002735. Florida Mortgage Lender Servicer License MLD1778. Nevada Mortgage Company (License #5100) (Loan Funder LLC) North Carolina Loan Broker Registration Filing 315. NMLS Company ID 1804080. West Virginia State Tax Department, Account #2410-0931 (Loan Servicer LLC).

Haus Lending Testimonials

Get In Touch

Haus Lending pays us to be listed, so there is no fee to connect with them directly. Share your loan request, send a simple email, call, or visit their website.

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Professional Service for Professional Property Investors

Haus Lending brings finance industry experience and know-how to residential real estate investment professionals, providing high-touch service on an expedited timeline. As a Roc360 company, borrowers tap into the nationwide experience and technology of a platform with more than $8 billion in loans closed. While institutional in size, Haus Lending retains a personal touch, and our 5 core values, P.R.E.S.S., were built around perfecting the customer experience.

The acronym for our core values is: P.R.E.S.S.
  • Personalization
    We offer six different loan products, catering to each investor’s specific needs and goals. Each and every loan we make is unique.
  • Responsibility
    While other lenders have disappeared, Haus Lending is here for you. We’ve always been fiscally responsible while helping our borrowers build their own businesses. It is our mission to continue investing in the US housing market by making sure our borrowers are set up for success.
  • Expertise
    We have experienced loan specialists committed to staying at the forefront of real estate lending.
  • Speed
    We know how important speed is to our borrowers and we make it our business to push the limits of how fast a lender can move.
  • Service
    We make sure every investor has one dedicated loan specialist from start to finish. Talk to a person — not a robot.
License

NMLS ID 804080, California CFL 60DBO-69051, Arizona MB-1002735

Associations

  • National Private Lenders Association
  • American Association of Private Lenders

Office Locations

645 Madison Avenue, 19th Floor, New York, NY 10022

Get In Touch

Haus Lending pays us to be listed, so there is no fee to connect. Share your loan request, send a simple email, call, or visit their website.

Stay Informed About Private Lending

Receive our monthly newsletters with valuable insights and industry updates
subscribe-illustration

Create a Loan Request

Be more efficient with your lender search. Provide the loan details once, save it, and then share it with multiple lenders.

Contact Haus Lending by whichever method you choose.

If you submit a loan request or email, it will be sent to the lender, and they will reply to you directly. A copy will be saved in our database. We will not share your information unless you ask us for recommendations.

BEFORE YOU CONTACT THIS LENDER

Our Minimum Loan Amount Is

$50,000

What We Do

  • Bridge, Fix & Flip, Construction, DSCR
  • Residential Investment Properties 1-4 Units
  • Multifamily Properties up to 8 Units
  • 15%+ Down Payment Required for Rehabs
  • Professional Lending for Real Estate Investors

Not Available

  • NO 100% Financing
  • NO Land Loans
  • NO CRE except small multifamily
  • NO Owner-Occupied Homes
  • NO 2nd's or Junior Liens

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